Why idle cash
is worth measuring

Cash above a buffer you set can sit still for years without a clear number attached. This page explains what Nort Capital measures, and what it refuses to do.
Open Idle Cash Calculator
Open Idle Cash Calculator
See Nort Capital Watch
See Nort Capital Watch
Free Idle Cash Calculator
No account required · Educational software only
How the Idle Cash Calculator works
You set the buffer
No advice framing
Published reference rate

Why this matters
for idle cash

Sitting still
Cash above your buffer can sit unnoticed. Without a measurement, the annual cost stays abstract.
No clear line
A buffer is the cash you want available. Everything above it is idle for the purpose of this measurement.
Annual cost
Idle cash is shown against a published reference rate so sitting still becomes a clear annual figure, not a vague feeling.
Duration
Optional Watch tracks how long idle cash stays idle and produces quarterly reports. Read-only. No money moved.

You set it
Measured
No advice

Idle cash is easy to miss because nothing looks broken. Nort Capital makes the number visible: buffer, idle cash, annual cost, and optional duration via Watch.
Open calculator
Open calculator
Phone notification about a cash balance that has sat unchanged, with a professional reviewing papers nearby.
Calculator
Free
Ungated, no account
Two people reviewing a laptop together at a kitchen table.

Your cash,
measured with intention

Clear measurement
See idle cash above your buffer and the annual cost against a published reference rate.
One instrument
Calculator for a free measurement. Watch for optional duration tracking and quarterly reports.
No product picks
Nort Capital does not recommend banks, accounts, or investment products. It measures.
You keep control
You set the buffer. You decide what the number means. The software stays read-only.

What actually changes

Not advice. A clearer number for cash that was sitting still.
Visible cost
Idle cash gets an annual cost against a published reference rate, so sitting still is no longer abstract.
Buffer clarity
You set the cash you want available. Everything above that line is treated as idle for the measurement.
Optional Watch
Read-only monitoring tracks duration and produces quarterly reports. Nothing is moved or recommended.
No product pitch
Nort Capital does not push banks, accounts, or investment products. The job is measurement.
Your decision
The number is yours to interpret. Educational software only. Not financial advice.

Nort Capital is software for measuring idle cash above a buffer you set. It is an educational instrument, not advice, and it does not recommend products or banks.

Buffer
You set
The cash amount you want kept available. Nort Capital does not choose this number for you.
Idle cash
Measured
Balances above your buffer are treated as idle cash: cash sitting still above the line you set.
Annual cost
vs rate
Idle cash is shown against a published reference rate so the annual cost of sitting still is visible.
Watch
$6/mo
Optional read-only monitoring with duration tracking and quarterly reports. Also available at $49/yr.

Most people never put a number on idle cash

They wait for a perfect moment or a recommendation. Nort Capital starts earlier: measure the buffer, the idle cash, and the annual cost. What you do next stays yours.
Open Idle Cash Calculator
Open Idle Cash Calculator
Start with the free calculator.
No account required.
See annual cost vs a published rate.
Comparable, transparent, not a forecast.
Optional Watch keeps the record.
$6/mo or $49/yr. Read-only.
Laptop on a desk showing a financial measurement dashboard.

FAQs

Plain answers

What does the Idle Cash Calculator measure?
It measures cash above a buffer you set, and the annual cost of that idle cash against a published reference rate. It does not provide advice or recommend products.
Do I need an account?
No. The calculator is free and ungated. You can run a measurement without creating an account.
What is Nort Capital Watch?
Watch is optional read-only monitoring at $6/mo or $49/yr. It tracks duration and produces quarterly reports. It does not move money.
Is this financial advice?
No. Nort Capital is educational software. It measures idle cash. It does not tell you what to do with it.
What reference rate do you use?
Cost is shown against a published reference rate so the figure is comparable and transparent. It is not a personalized forecast.
Will Nort Capital recommend a bank or product?
No. The product measures. It does not recommend banks, accounts, or investment products.
Not sure where to start?
Still have a question about idle cash, your buffer, or Watch? Send a note and we will point you to the right page.
Contact
Contact
See what idle cash
costs you
Open calculator
Open calculator
See Watch
See Watch
Idle
Cash
above your buffer
Person outdoors checking a phone with an idle-cash measurement overlay.